Coles Pet Insurance — Ultimate

Coles Ultimate Pet Insurance is one of the few Australian pet policies underwritten by Guild Insurance rather than the PetSure or Pacific International platforms. Cover extends to accidents and more than 3,000 illnesses, with benefit limits up to $40,000 a year and a choice of 80% or 100% reimbursement after the excess. Sub-limits include $5,300 for cruciate ligament conditions and $3,500 for tick paralysis. Pre-approved treatment can be paid directly to the vet, and an $80 annual health check benefit is included.